An account-takeover scam where criminals hijack a social media or messaging account, often through a shared verification code, and then message everyone in the contact list pretending to be the owner. Because the request comes from a familiar name and number, friends and relatives send money before anyone realises the account is compromised.
The scammer tricks the owner into sharing a login or verification code, clicking a malicious link, or exploits a voicemail default password.
Once inside, they lock the real owner out and study recent chats to copy their tone.
They message contacts with an urgent story, such as an accident, being stranded, or a deal that can't wait, and ask for a transfer to an account or wallet.
Money is moved on quickly through other accounts, making recovery difficult.
A friend or relative suddenly asks for money by chat instead of calling.
The message is urgent, secretive, or out of character.
The receiving account or wallet name doesn't match the person you know.
You're asked to share a code that was sent to your own phone.
Never share verification or login codes with anyone, not even friends.
Turn on two-step verification in Telegram and WhatsApp, and set a voicemail PIN.
If 'a friend' asks for money by chat, call them on the phone number you already have before sending anything.
If your account is taken over, warn your contacts immediately from another channel and report it here.